Westminster Befriend a Family

Shop till you drop

WBAF

Shop till you drop

We are always pleased when we can offer you ways to continue to help us without too much effort on your part. And here are two fantastic opportunities to do so.

Smile just for us

You can help swell donations to the charity whenever you shop online – and it won’t cost you any more than you would have spent. How? By doing your shop using Amazon Smile!

Same products, same prices

Amazon Smile offers you exactly the same products at the same prices as you’ll find on Amazon. Only by selecting us as your preferred charity, Amazon Smile will donate 0.1% of the net cost to us. The more you shop, the more we get. How simple is that?

So that you don’t forget, why not save this link: https://smile.amazon.co.uk/ch/1082452-0 as a favourite to your browser, and then every time you want to do an Amazon shop this link will automatically take you to our charity’s link on Amazon Smile.

 

Earn rewards for you and us

The Co-op has also decided Westminster Befriend a Family can benefit from its Local Community Fund.

So for the next 12 months every time members shop at the Co-op and buy own brand products and services, 1% of what they spend will help fund community projects where they live. The money raised from selling shopping bags will also go to the Local Community Fund to help even more.

Becoming a member is easy

Just follow this link www.coop.co.uk/membership to become a member and chose us as your charity. And just like any loyalty card it will earn rewards for you and us at the same time.

Shop at #TheCoopWay and #amazonsmile now and help us continue supporting vulnerable families in Westminster to turn their lives around.

 

DONATE

Thank you to Waitrose & Partners

We are delighted to announce that several Waitrose & Partners stores in Westminster have decided to support Westminster Befriend a Family this Christmas.

Generous donations

Recently the branch in Belgravia handed over £380 to us from generous customers choosing our charity to give their ‘green tokens’ to, and we received almost £400 from the Waitrose & Partners branch in Bressenden Place near Victoria Station.

We are absolutely delighted. Thank you to Waitrose & Partners and thank you to their customers.

 

Give us your green tokens

If you intend to shop in any Waitrose & Partners store in Westminster this December, please keep your eyes open for a Westminster Befriend a Family charity bin where you can drop your green tokens. It really does raise money for a great local cause – helping some of the most disadvantaged and vulnerable families in the borough help themselves.

Thank you.

DONATE

 

Credit unions and the financially vulnerable

Credit Unions and the Financially Vulnerable

The Mystery Shopper
Credit unions and the financially vulnerable

What is a Credit Union?

The Credit Union Bank is a not-for-profit co-operative dedicated to promoting saving money, and dealing with debt. Originally established in 1997 to provide savings and loans for employees of London’s borough Councils, now anyone living, working or studying in a particular London borough and the City of London can become a member of the credit union.

New powers that were introduced in January should allow credit unions to provide a real competitive alternative to lenders that charge unreasonable interest rates, payday lenders, or loan sharks. Credit Union banks are a great resource for those on low incomes or who are vulnerable financially.

Benefits of a credit union 

  • There are no arrangement fees or management charges on loans.
  • There are no management charges on savings.
  • Credit unions can organise activities to educate members in the use of money that gives them greater control over the management of their financial affairs such as budgeting plans and sessions.
  • Credit unions are a practical example of people helping people in a community.
  • Credit unions don’t allow customers to go overdrawn, as they don’t offer overdrafts or cheque books. If there are not enough funds in your account to pay direct debits or standing orders there is generally a small charge or fee when these are returned.
  • Credit unions work with their members to help them manage their money.
  • The credit union serves the interests of members and no-one else, as there are no outside shareholders or borrowers.
  • Members run the credit union through elected committees usually made up of people living in the community.
  • Some of the staff work on a voluntary basis, so costs are kept low.

If you don’t have a current account a Credit Union bank account can allow you to:

  • Have your benefits, wages, salary or pension paid straight into it,
  • Access your money via the Link ATM facility
  • Use it to get your money from over 30,000 Link cash machines all over the country
  • Use it to pay for goods or services anywhere displaying VISA Debit sign
  • Use it to get cash from your account at many supermarkets and other shops that display the VISA Debit sign
  • Have your credit union loan paid directly into it
  • Transfer your credit union savings for easy access
  • Use your card to take advantage of good deals on the internet
  • Pay your bills via Direct Debit / Standing Orders and receive discounts
  • Have your salary paid in monthly with no hidden charges and no minimum amount
  • Restore or increase your credit rating

Loans can vary with their interest rates, but in general credit unions are good for small borrowing.

How a Credit Union Bank account can help with your credit rating

David had been homeless in Victoria for years. He wanted to move into independent accommodation but before he could do this he needed to make sure his credit rating was alright. After a session at the local community advice centre for debt and finance David was advised to open an account with the local borough’s Credit union. As it stands David cannot get an account with a regular bank. But with a credit union account he can get his benefits paid in and also pay his bills. His Post office account only allowed transactions for his benefits payments.

David is now more confident about dealing with his finances as he realises that the Credit Unions are actually on his side and want him to improve his credit. This will impact him greatly in a positive way in the future as your credit rating can hold you back and alienate you from society if it isn’t dealt with properly.

You can find out about where your nearest credit union is and an example of repayments on loan amounts through a credit union by clicking on the following links below:

www.findyourcreditunion.co.uk/home

www.findyourcreditunion.co.uk/about

The Mystery Shopper

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Every Second Counts…

Please support us by making a text donation.

Your text donations are free! Your network provider won’t charge you for them.
100% of your donation will be used to keep our Family Support Services running.

Text:  Time01  £2 / £5 / £10 to 70070

to donate now!

 

For more information: www.befriendafamily.co.uk/every-second-counts/

Every Second Counts is a campaign run by Westminster Befriend a Family (WBAF) to raise funds to provide practical help and support to disadvantaged families in Westminster who are unable to cope with the debilitating problems they are going through.